Savings Accounts

A Savings Account with a $5 initial deposit must be established to be eligible for other accounts, loans and Shell FCU benefits. This initial savings account is considered a Membership Account.

• As a credit union, Shell FCU returns earnings to our members in the form of competitive savings rates.
• Checks can be deposited quickly and effortlessly using Mobile Deposit within the Shell FCU Digital Banking App.
• Increase your savings easily by depositing cash or checks at any Shell FCU ATM.

Interested in a Shell FCU savings account?

Request to be contacted by a Shell FCU Representative.

Are you looking for a high interest rate account, but still need access to your funds? Then a High Yield eSavings Account could be right for you!

The High Yield eSavings account provides you with the opportunity to earn more than a regular Savings account by meeting two easy qualifications each month:

1. Have an open eChecking account
2. Meet all eChecking account qualifications each month

***High Yield eSavings is a tiered rate account available to members with an open eChecking account. Each month when the eChecking minimum service qualifications are met you can earn: 2.00% APY on balances up to $10,000, 3.00% APY on the portion of the balance between $10,000.01 and $20,000.00, and 0.05% APY on the portion of the balance that exceeds $20,000.00. If you fail to meet any of the minimum service requirements during a calendar month, or you close the eChecking account, you will earn 0.05% APY on the entire balance in the account. One High Yield eSavings account is allowed per membership. APY denotes Annual Percentage Yield. No monthly service charge.

What happens if the qualifications are not satisfied during a cycle?

• You will earn 0.05% APY on your free eSavings balance
• No minimum balance required

See a representative for complete details and qualifications. The qualification cycle aligns with the beginning and end of each month.

Interested in a High Yield eSavings Account?

Request to be contacted by a Shell FCU Representative.

A TUTMA (Texas Uniform Transfers to Minors Act) is a great way to provide for your child’s future.

• Can be established for any person under the age of 21.
• This account uses the minor child’s social security number; however, the child has no authority on this account.
• Account should be transferred to the minor once they reach the age of 21.

Interested in a Shell FCU TUTMA account?

Request to be contacted by a Shell FCU Representative.

A Christmas Club Account can be set up to assist in saving for holiday expenses.

• Minimum opening deposit is $10.
• This account includes unlimited deposits.
• All withdrawals made prior to November 1st of each year will incur a fee. (See Fee Schedule for details.)
• All withdrawals must be performed at a branch or through the call center.
• The Christmas Club account balance will be transferred to your regular share account on or before November 1st.

Interested in a Shell FCU Christmas Club account?

Request to be contacted by a Shell FCU Representative.

An iSave is available to ages 14 to 24 and is an incentive based savings program.

Here's how it works:

1. Open an iSave account with a minimum $25 deposit.
2. Deposit at least $25 every 30 days for 12 consecutive months.
3. Don’t take any money out & receive a $25 BONUS!

Interested in a Shell FCU iSave account?

Request to be contacted by a Shell FCU Representative.